Syndicate Bank Credit Cards

Mr. Sharma enjoys great discounts on dining with his Credit Card. What about you? Get A Card

Syndicate Bank, one of India’s oldest commercial banks, offers a single credit card to its customers. This credit card comes in two variants, the Gold and the Classic. Being one of the major banks in India, it offers loans, deposits and other related services to a million customers. The bank has played an important role in rural banking and its financial development and literacy. With its credit cards, it offers a host of benefits and features that include convenience, affordability and simplicity.

Mrs. Sharma enjoys cashback on all her retail purchases. You could too! Get A Card

Why Choose Syndicate Bank Credit Card?

Syndicate Bank offers you a credit card which is absolutely free of cost and is free for life! Be free from joining fees and annual fees. Syndicate Bank also charges one of the lowest finance charges of 2% per month. With these credit cards, you can even earn rewards which you can redeem against your renewal fees, or encash it at 50 paise per point.

Features and Benefits of Syndicate Bank Credit Card:

Syndicate Bank offers two cards, the Classic and the Gold. Both cards are photo and signature cards

Interest-free credit period:

Avail of credit periods of 20 days to 50 days on your purchases. This depends on the date of transaction and if the previous balance is cleared in full.

Low interest rates:

Get attractive rates of interest on your revolving credit as low as 2% per month or 24% per annum. Upon default, you could attract higher interest rates of 2.5% p.m.

No annual fees:

Avail of this card at no cost, and furthermore, enjoy zero annual fees for life.

Global Acceptance:

Syndicate Bank credit cards are accepted in more than 9 lakh merchants in India, and over 300 million merchants around the world. The cards can also be used online, for mail orders and telemarketing.

Cash advance:

Withdraw cash through any of the Syndicate Bank ATMs at concessional rates. The card can also be used at more than 1.2 lakh ATMs in India and over 25 lakh ATMs worldwide.

Card Loss Liability:

In the event that you lose your credit card, report it immediately and you will not have to bear any liability after notifying the bank. After notifying Syndicate Bank, the card loss liability is limited to Rs. 1,000.

Rewards:

Earn reward points when you use your credit card. For every Rs. 200 spent on your Syndicate Bank credit card, you will earn 1 point.

24 hour helpline:

Call the Syndicate Bank customer care around the clock for any assistance. Use the hotline to report loss or theft, inquire about your balance, transactions, card being declined and much more.

Add on cards:

Get supplementary cards for your family members and let them enjoy the benefits of your Syndicate Bank credit card. Family members should be above the age of 18.

Syndicate Bank Rate of Interest:

Mr. Sharma is enjoying free airport lounge access with his Credit Card. What about you? Get A Card

Syndicate Bank Rewards:

Card Category

Classic

Gold

Rewards earned for every Rs. 200 spent

1 point

1 point

Reward Redemption:

You can redeem your reward points on two categories.

Renewal fees - Payment for renewal fees on your existing credit card.

Encashment - You can also get the value of the reward points credited to your card at the rate of 50 paise per point. This offer is available in multiples of 500 points. So 500 points will fetch you Rs. 250.

Syndicate Bank Eligibility:

In order to be eligible for a Syndicate Bank Credit Card, you should meet the following eligibility standards set by the bank.

You should either be residing or working in the area in which the card-issuing Syndicate Bank Branch operates.

You should be above 21 years. Minors are not eligible.

For salaried individuals, the maximum age is 60. For self-employed people, it is 65 years. This is extended for senior citizens and pensioners to 75 years.

List of Syndicate Bank Credit Cards:

Classic Credit Card - For individuals earning an annual salary or pension of at least Rs. 60,000, this card is ideal. Self-employed, professionals and the business segments should show an income of Rs. 1 lakh per annum.

Gold Credit Card - A high-end card that offers a host of benefits to its customers, the Gold credit card brings more joy to spending. Individuals earning an annual salary of Rs. 1.5 lakhs can apply. Self-employed, professionals and businesses should be earning at least Rs. 2 lakhs per annum. This card is not available to senior citizens and pensioners.

Syndicate Bank Credit Card FAQs:

When is the payment on my credit card billed?

The Credit Card Statement will be generated on the 20th of every month. Syndicate Bank stipulates the payment due date as the 10th of the succeeding month.

What is the minimum due on my credit card bill?

Syndicate Bank imposes 10% of the total payment as the minimum amount due. This amount must be paid by the due date to avoid penalties, higher rates of interest and other corrective action.

Does Syndicate Bank offer credit cards to pre-approved customers?

Yes, Syndicate Bank offers credit cards to existing customers without the need for proof of income. Home loan, term deposit, pigmy deposit, car loan customers can be offered credit cards with prefixed limits. The limits depend on the customer’s relationship with the bank. Defence personnel and Judges are also eligible for pre-approved credit cards.

What is the cash advance limit on my Syndicate Bank credit card?

Classic Cardholders can withdraw 15% of their credit limit. Gold Cardholders can withdraw up to 25% of their credit limit. Syndicate Bank offers concessional charges on cash advances, however, interest will be charged from the transaction date.

How do I pay my credit card bill?

You can pay your Syndicate Bank Credit Card bill through the following ways.

Visit any Syndicate Bank branch and make the payment in cash.

Drop a cheque or DD at the bank branch.

Account holders can use the auto-debit facility.

Account holders can also make payments through the online banking portal.

Customers can pay through other bank accounts or VISA cards using NEFT or VISA money transfer.

*Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.

News About Syndicate Bank Credit Card

How to benefit from credit card reward points?

It is important that you read and understand the reward offers completely. Say Mr. Gupta had earned 10,000 reward points on his credit card. When he went to redeem these points he was in for a surprise.

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Syndicate Bank Credit Cards Reviews

I have a salary account with Syndicate Bank and customer service is average. Whenever I call them the response was not proper and they are telling me to visit the branch. Its a zero balance account. They are charging yearly fee for the debit card. ATM networks are more.

Before two months I have taken Syndicate credit card, its a good life time free credit card. The credit limit is very satisfactory around Rs. 1 lakh, the reward points are very good based on the credit card spend and also the mobile app is very good.

Even syndicate bank have charged me annual fee in this card,they have charged me up to 500 as fee with no waived off option available in this card,but they have given me good credit limit,it was sufficient for me,so far they have not charged me any hidden charges.

I have been using syndicate credit card for last few years . Am satisfied with the credit limit which they have provided . There is annual charges for the card which gets waived off after using certain limit . Am getting cash back points . Overall am satisfied with their customer service and response .

I have SYNDICATE bank salary account , the branch service is very good, even customer support is well worse, and the mobile application is good the net banking too is good and even i would like to rate 5 stars to this bank because service is excellent.

I have converted my savings account into my salary account, average balance which i have to maintain is rs1000, customer service is good, website is also fine, i had one issue for the cheque book but later it got rectified and resolved by them.

It has been almost five years since i have started using the services of them. They had given me with a credit limit of 60,000 which has been satisfactory. I had been using the card for shopping and for other purchases and i had been getting some good offers that have been available with the card.

I have taken a car loan with Syndicate bank and the loan experience was good, the loan amount was for Rs 3.4 lakhs and it is a new car. The loan amount was based on on-road price. The rate of interest was nominal and the tenure period is 6 years out of which 3 years already completed.

i am holding SYNDICATE credit card for past 8 month, this is life time free card and my credit limit is 75000 and i am satisfied with that. The customer service of this bank is excellent.mostly i use this card for shopping, bill payment and i am getting good reward points for that.

I have a credit card with Syndicate bank from last 1 year, there is no annual fee charged for this credit card and the credit limit is sufficient in this card. Net banking is easy for making payments. Offers like reward points and cash back are good in this credit card.

I use the SYNDICATE BANK Global credit card for the past 4 years. The customer support service is good with the SYNDICATE BANK, I use this card for online purchases, electrical bills , bill payments , recharges and for other usages. The credit limit value is good with this card and I am satisfied with it.

I am using Syndicate Bank credit card from last 4-5 months, i find this credit card is very convenient to use. They did not charge any annual fee at the time of getting this credit card. I am not aware of any offers in this credit card. I make my payments directly to the bank. I have a credit limit of Rs 50000 and the cash limit of Rs 12500 which is satisfactory.

I have been using gold credit card with syndicate bank they offered me a credit limit of 1k which was comfortable for me for the past two years there is no good offers with syndicate which was disappointed for me with syndicate service it was a average experience with syndicate bank for my credit card service.

I hold a credit card with syndicate bank for past few years.The current limit on the card is 1.5 lakhs.Its an annual fees credit card.I earn reward points for every purchase its around 2%.One drawback is no Easy EMI options is available for this card.

I do have a Gold visa card with Syndicate Bank and the service provided is really good.They donâ??t provide any EMI or any other option in this card.I mostly use the card for shopping purpose.I do pay my bills on time which is around 10th of every month.The charges applied was quite high in the card.

The problem of the syndicate bank credit card is lacking the online service. Satisfaction level of the customer is not so far because of the transparency. The services are fine. I would like to suggest that they need to provide the online service. Offers are nice and they are redeeming the points through the cash.

I am having the syndicate bank credit card. The gold card that am using is having good credit limit and I would like to increase it. The services are good with them and the rate of interest is high with them. There are offers which is not good for me.

Syndicate bank is charging Rs.250 yearly for annual fee and they offered credit limit of 60thousand where I can withdraw cash up to 50thousand and 45thousand for purchase. The payment date is 20th of every month and I feel convenient. Syndicate bank is giving terrific service to customers so very satisfied. Mine is gold credit card and customer service is wonderful.

We cant expect too much from syndicate bank as they are performing like public sector . Probably they should increase their customer service aggressively to attract more customers for better service. It would be really nice if they implement some points redemption offer for my titanium credit card

The reason why I have rated 5 for Syndicate Bank is because of their Branch Banking is really good their approach is excellent right from junior to the senior most people they are very pleasant and lovely I really like the way the handle the situation and this has to be appreciated definitely and the challenge what I face with them is the Net banking and phone banking which has to be improved.